Responsible Products

From bank accounts, credit cards and mutual funds to loans and
mortgages, we design all of our products and services to:

Align with our corporate values and Guiding Principles;

Adhere to strict internal development standards,
risk-management processes and industry codes of conduct; and

Meet or exceed all applicable laws and regulations where we
operate.

Transparent Product Information

We want to help our customers understand the financial products
and services they purchase. Our approach is to have our employees
take sufficient time to explain issues and answer questions. We
make product and fee information readily available in our branches
and investment centres, as well as on our websites, and we present
it in clear, easy-to-understand language.

Responsible Sales and Marketing

In countries where we operate, TD meets or exceeds the laws and
regulations requiring us to disclose basic information about the
financial products and services we offer. We ensure that our
products and services meet genuine needs and that customers do not
feel any undue pressure to buy unwanted products or services.

Promoting our products and services responsibly is also a
fundamental obligation. TD has programs and processes in place,
including internal legal reviews, to ensure adherence to laws and
regulations related to marketing communications, including
advertising, promotion and sponsorship.

Incidents of non-compliance with regulations and voluntary
codes concerning any form of marketing communications of products
and services.

11

0

0

Incidents of non-compliance with regulations and voluntary
codes concerning any form of the health and safety impacts of
products and services.

0

0

0

Incidents of non-compliance with regulations and voluntary
codes/commitments concerning consumer products and
services2.

0

0

0

1 Advertising Standards Canada raised concerns
about a claim in a television ad that TD Canada Trust is open from
“8 ’til late.” They determined our
reference to branches that do not open at 8 a.m. was not
communicated in a sufficiently clear manner. The ad had already
been withdrawn before the complaint was received.2 As determined by the Financial Consumer Agency of
Canada.